Date Received: 2021-12-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I initially joined the program with the thoughts of home delivery service and after several weeks gone by. I have found this program will not work for me. For me, it is a waste of time and money. As for me I was looking for a short time guide which could lead me to overall healthier eating options and I knew this would be an option specifically because of the home delivery part which would be essentially the main reason in which I joined. I sent my request to cancel and it has continued to charge as here recently. This plan was presented with the plans to have home delivery and the food would be preplanned accordingly. For me that would be great and alleviate the thought, time and planning for food. Because this plan was presented in a way to alleviate the planning and food prep would be available Now this is not the case and I was and have been willing to wait for the meal prep delivery Though I knew it would be additional charge. For it would be all worth it. However, the case here is it was presented that I would have that option but this never happened and I do not have time to facilitate the time for meal planning independently I wanted to take on this purely based on the meal delivery which has not happened due to the fact, the potential contract for home delivery has failed through twice. I have waited for the allocated time to reconvene on this matter but it has taken place. On this note I just want to cancel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It says on my credit report that on XX/XX/2021 that I applied for a USBank Credit card but I never even applied for it. I wasn't looking for a credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97527
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My card was stolen, I called and filed a dispute with Us Bank ReliaCard but the representative only put down some of the transactions. ReliaCard investigated the claim and ruled in my favor on XX/XX/2021 but only gave me a partial credit. Im owed over {$4000.00} & Us Bank keeps denying whats owed to me after their representative mistakenly didnt add all of the disputed transactions. Ive spent over {$86.00} faxing the documentation needed. Ive had two disputes since then all stemming from the first claim. Everyone in their department has handled it completely wrong. Yesterday I was told by a supervisor that he couldnt do anything so he doesnt know what I want him to do. I just want the remaining portion of my funds issued. Its almost been XXXX XXXX now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15401
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received bank account information and promo from multiple banks on our address for an unknown individual ( XXXX XXXX ) not associated with our address or anyone in our household or next of kin, friends etc..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95677
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Applied U.S. Bank Platinum Visa Card on XXXX after receiving a pre-approval in the mail. Received mixed messages online after submitting my application about whether I was approved. On one hand I got the auto-confirmation that line of credit was granted and that I'd be receiving my card in 4 business days. On the other hand I got an email saying their decision will be mailed to me in 10 business days. I called twice on XXXX to ask for an expedited card, clarification whether my application was accepted or not, and a credit limit increase since the initial amount was low. I didn't receive clarification from either phone call and was verbally rejected for an expediated card and limit increase. I didn't receive card for 3 weeks with no explanation. I called their number on XXXX twice, first time to request an expedited card, second time a few hours later to make sure the the first call rep did anything because at this point the bank and this credit card process has been incompetent. If I hadn't heard of U.S. Bank before I thought I was in the middle of a identify-theft scam. 3 reps over 2 calls on XXXX assure me I'll be receiving the card on XXXX and that I may call on XXXX for the tracking number. I call twice on XXXX for the tracking number and both reps don't have a tracking number for me and inform me that the replacement card hasn't been shipped yet. I called again on XXXX and there's still no tracking number or indication that a card has been sent. My conclusion is that the bank is giving me the run-around and refusing to provide the card so that I may not use their service. It's hard to believe this is just incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. This letter will be emailed to you and sent through certified mail. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68901
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a XXXX debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX continued to say they were. There was no resolution and I spoke with XXXX for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: From the dates of XXXX I travelled from XXXX XXXX XXXX MO to XXXX, TN. On XX/XX/XXXX a {$4000.00} advance on a credit card was deposited in my checking account at U.S. Bank. I spent money that weekend and as I checked the account, I seen what I'd spent in my pending transactions and taken out of my available balance ( normal ). I had an issue with an XXXX charge on my account and after returning I contacted U.S. Bank and was sent to their fraud department and they then reported it, cancelled my debit card and the money was returned to the account the week of XX/XX/XXXX. There was still an available balance and I spent based on what I had. Fast forward the day before XXXX I woke up and the account was severely negative. I was hit with multiple overdraft fees and all my transactions from the weekend of XXXX were dated for the week after or further. I then put {$1200.00} cash and a {$500.00} check into an ATM outside of the branch, those amounts should've covered the negative balance. I check my account on my phone and the account was still over {$20.00} negative. I go inside and I try to explain to the teller that my account shouldn't be negative after the deposits. She told me it was because I deposited a check. I told her I've worked at two different banks in my past & at least half of the check should've been available immediately and she just sat there and stared at me as I continued to inquire a male got involved who I assumed was a manager ( actually a banker ) and printed out my recent transactions and began adding them all up with a calculator. As I was talking to him, he ignored me and continued calculating and another teller who I wasn't working with and did not authorize to review my personal account information came over and was looking at my transactions with him. When he finished, he told me that I had over {$7000.00} in transactions but I only had a little over {$6000.00} in deposits. I asked him how could that happen when my account has no overdraft protection and my card will decline if I have insufficient funds. He told me authorizations/holds were dropped and then charged again and the XXXX XXXX fraud case was reversed because they never actually charged me it was just a hold ( {$710.00} was held over the weekend, their phone agent told me to report it as fraud and the money came back, then since it was just a hold the bank took it again ). It made no sense and I didn't understand, all the charges that were pending came out in real time but at some point they fell off and I was able to spend the money. All I needed the banker to do was reverse 1 overdraft fee to get me out of the negative status in fear of accruing more fees over the holiday. I told him I've been a customer of this bank for 10 years and I've never had a problem with overdrafting and I recently was XXXX due to XXXX and was out of work over a month at the time. I've been so financially secure in the past I barely used to look at my account, let alone pay attention to how long it takes and the dates transactions post from real time. I average over $ XXXX in my account, but my account doesn't accrue any interest and they use my money to loan out to other people and I just needed my account to not be negative. Not only did he NOT reverse any fees, he told me, " YOU supposed to know how much YOU spending! '' After standing there a little while longer trying to make sense of the matter and plead my case, I left the branch in tears when I realized no one cared to help and I was just embarrassing myself. I called U.S. Bank 's customer service number explained the situation and attempted to close my account. The representative told me that since there was money in the account I should go to a local branch, and I asked would I be able to close the account with pending transactions and she reassured I could. I go to that same branch and get the same female teller, I told her I wanted to close my account. She tells me I'm unable to close it with pending transactions. I told her the phone agent told me I could and she said, " If she told you, you could close it, you should've did it on the phone with her then. '' As I stand there in disbelief, the same banker from the other day is across the lobby at a desk next to the security yelling out, " no you can't close your account with pending transactions, I tried and it wouldn't let me do it. '' I never gave him my name or permission to access my account and it definitely was a breach of my privacy to shout that information across the branch. Afterwards the female teller was just staring and blinking at me and stated, " I don't know what you want me to do. '' I told her I wanted my ID back and I left. I contacted corporate to complain, they referred me to the district manager for the area. I told him all my complaints and as we attempted to do account research, he was having the same issues as me with future dating and fees that were assessed disappearing on the statement making it impossible to recall. I told him how illogical this system was and I could never prove anything if their system adds, removes, re-dates and charges ridiculous fees. I told him for all that I know money could be stolen from me and I would never know based on the way this company operates. I would have to screenshot my spending the moment I do it to prove anything. I told him their company has underhanded practices and I refuse to leave my money in this account and I get no incentive for it. He apologized and reversed 3 fees for me but the relationship has been severed due to incompetent staff on the phone and in the branches, poor customer service, malicious business practices and no retention incentives. I closed my account on XX/XX/XXXX. But I want someone to investigate how they are able to get way with adjusting spending statements, it should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had overdraft fees that was placed on my account because of unauthorized charges. US Bank did side with me that charges was unauthorized. But a US bank representative was only able to give me up to 2 overdraft fees back. I didn't dispute what she said. I came directly to CFPB here next to get the rest of my overdraft fees. I had a total of 5 unauthorized charges on my account ; so I am here to get the other 3 overdraft fees back. Thanks for your quick and prompt response to this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A